10009 CELTIC ASH DRIVE, RUSKIN, FL, 33573
Active7 days on marketListed Jul 13, 2026MLS #A4698346
About this home
10009 CELTIC ASH DRIVE
Welcome to this stunning home in the sought-after community of Belmont! This beautifully designed 4-bedroom, 3-bath residence with a 3-car garage showcases a spectacular floor plan. Step inside to a bright, open-concept living space anchored by an amazing gourmet kitchen featuring 42" cabinets, granite countertops, a spacious island, and all stainless steel appliances. With generous counter space and room for a table, the cook of the house stays right in the heart of the action, seamlessly connected to the living area. A split-bedroom design places one bedroom and a full bath at the front of the home—ideal for guests or a private office—while the remaining three bedrooms enjoy privacy in the rear. This home is built for efficiency and savings. With fully owned solar panels (no lease to assume—the energy savings transfer directly to you) plus a top-tier energy rating and a host of energy-saving features, you can look forward to remarkably low electric bills. Additional upgrades throughout add even more value and style. Ideally located right on US-301, Belmont offers unbeatable convenience to shopping, dining, and quick access to I-75 for an easy commute. You'll fall in love the moment you walk through the door—schedule your showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,293
Sqft
0.16 ac
Lot size
3
Garage
2016
Year built
One
Levels
$174
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,309 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,309/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−7.9%
$/sqft vs Ruskin actives
$174 vs $180
Days on market
7 vs 51 typical
Where $174/sqft sits among the 293 Ruskin actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Ruskin
Drive times from this address
Get to know Ruskin. See the full Ruskin guide →
RUSKIN 33573 — neighborhood snapshot
Population
30,820
Median age
68.5
Median income
$68,431
Median home value
$270,600
Avg household
1.98
Households w/ children
1,606
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ruskin market
$330K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
167 of 293
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 60% above the RUSKIN 33573 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 10009 CELTIC ASH DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$425,000
10008 CELTIC ASH DRIVE · same community
4 bd · 3 ba · 2,303 sqft · $185/sqft · 193 DOM
Sold · Nov ’25$395,000
9860 SMARTY JONES DRIVE · same community
4 bd · 3 ba · 2,216 sqft · $178/sqft · 84 DOM
Sold · Jun ’26$385,000
9864 SMARTY JONES DRIVE · same community
4 bd · 3 ba · 2,413 sqft · $160/sqft · 46 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10009 CELTIC ASH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10009 CELTIC ASH DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
10009 CELTIC ASH DRIVE FAQs
What would the monthly payment be for 10009 CELTIC ASH DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,309/mo — principal and interest, the actual property-tax bill, the $13/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 10009 CELTIC ASH DRIVE?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10009 CELTIC ASH DRIVE?+
The most recent tax bill on record (2025) was $7,325. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 10009 CELTIC ASH DRIVE?+
The listing reports pets: Breed Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ruskin?+
At $399,000, this home is listed about 14% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 10009 CELTIC ASH DRIVE?+
Doby Elementary School (elementary), East Bay High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Teresa Dunn, PLLC. MLS #A4698346.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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